The catalogue › United States › South Central › Louisiana
The state note · prepared 7 September 2026

Louisiana

104 banks and 136 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

104 banks filing · read from the 30 June 2026 Call Report
104
banks filing
$82.7B in assets
+4.0%
Loans, year over year
median; 25 above 10%, 31 shrinking
27.5%
CRE / loans
median
80.9%
Loans / deposits
median
0.91%
NPA / loans
median
11.0%
Equity / assets
median

Louisiana's 104 banks hold $82.7B in assets at 30 June 2026. Origin Bank is the largest at $10.2B, and the five largest hold 37% of the total; 19 institutions are above $1B, holding $53.0B.

Loans grew a median +4.0% in the year to 30 June 2026: 25 institutions grew faster than 10% and 31 shrank. The median bank lends 81% of its deposits and holds commercial real estate at 27.5% of loans. Nonperforming loans sit at a median 0.91% of the book, return on assets at 1.19%, and equity at 11.0% of assets.

10 of the 104 are in the catalogue, each read from its own filing beside the banks its size in the state: Origin Bank, B1bank, First Guaranty Bank, Gulf Coast Bank & Trust Co., Investar Bank National Association, Home Bank National Association, Red River Bank, First National Bankers Bank, Resource Bank, Century Next Bank.

Who holds the state's assetseach institution's share of the $82.7B the state's 104 hold; the largest first, amber in the catalogue
Origin Bank: 12.3%OB12%B1bank: 10.8%B11%First Guaranty Bank: 4.7%FGGulf Coast Bank & Trust Co.: 4.7%GCInvestar Bank National Association: 4.7%IBHome Bank National Association: 4.4%HBRed River Bank: 4.0%RRBom Bank: 1.9%Bonvenu Bank National Association: 1.9%First American Bank & Trust: 1.7%94 others 49%OBOrigin Bank12.3%BB1bank10.8%FGFirst Guaranty Bank4.7%GCGulf Coast Bank & Tru…4.7%IBInvestar Bank Nationa…4.7%HBHome Bank National As…4.4%RRRed River Bank4.0%BBBom Bank1.9%BBBonvenu Bank National…1.9%FAFirst American Bank &…1.7%

Origin Bank holds 12.3% of the state's bank assets; the five largest hold 37%, and 19 of the 104 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestOrigin Bank: 12% of the totalThe five largest37% of the totalThe ten largest51% of the totalGINI0.60 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 37% of the assets in 5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end23.0%$13.0BNonfarm nonresidential, non-owner-occupied18.1%$10.2BCommercial & industrial16.2%$9.1BNonfarm nonresidential, owner-occupied15.9%$9.0BConstruction & land10.0%$5.6BMultifamily4.1%$2.3BOther loans and leases3.8%$2.1BFarmland2.6%$1.5BHome equity lines2.2%$1.2BAgricultural production1.8%$992MConsumer, other1.4%$803MStates & municipalities0.4%$242MAuto0.4%$232MCredit card0.1%$38M

1-4 family residential, closed-end is the largest category at 23.0% of the state's $56.4B in loans, then Nonfarm nonresidential, non-owner-occupied at 18.1% and Commercial & industrial at 16.2%.

Loans, year over yearLouisiana banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 104 · amber, in the catalogue
state median +4.0% IB Investar Bank National Association +45.3% MR Mer Rouge State Bank +35.5% CC Commercial Capital Bank +29.8% BF Beauregard FSB +26.0% Bo Bank of Louisiana +24.2% WS Winnsboro State Bank & Trust Co. +21.5% HB Hodge Bank & Trust Co. +20.8% Bo Bank of Oak Ridge +19.8% SB State Bank & Trust Co. +19.1% AB Anthem Bank & Trust +18.0% FN First National Bank of Louisiana +17.6% CB Currency Bank +17.4% JP Jackson Parish Bank +17.2% BB Bom Bank +16.6% SL South Lafourche Bank & Trust Co. +16.4% Bo Bank of Zachary +15.4% GB Gibsland Bank & Trust Co. +15.2% SB Synergy Bank +13.9% BS Basile State Bank +13.6% FN First National Bank of Jeanerette +13.0% GC Gulf Coast Bank & Trust Co. +11.4% HB Hibernia Bank +11.2% MC M C Bank & Trust Co. +10.2% B B1bank +10.2% CB City Bank & Trust Co. +10.0%

Investar Bank National Association grew fastest at +45.3%; 25 grew faster than 10% and 31 shrank, Crescent Bank the most at -57.2%. The median is +4.0%.

Commercial real estate, share of loansLouisiana banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 104 · amber, in the catalogue
state median 27.5% FN First National Bankers Bank 59.2% UC United Community Bank 54.6% RB Resource Bank 51.4% LB Lakeside Bank 48.9% CF Community First Bank 48.6% SL ST Landry Bank & Trust Co. 48.2% MB Metairie Bank & Trust Co. 47.3% PB Plaquemine Bank & Trust Co. 47.3% BB Bonvenu Bank National Association 45.4% CB Citizens Bank & Trust Co. 45.0% CB Community Bank of Louisiana 44.5% CN Century Next Bank 44.4% LN Louisiana National Bank 43.3% JB JD Bank 42.1% Bo Bank of Coushatta 41.9% GC Gulf Coast Bank 41.4% FN First National Bank USA 41.3% AB American Bank 40.9% FG First Guaranty Bank 40.0% MC M C Bank & Trust Co. 39.9% Bo Bank of Oak Ridge 39.8% Ct CLB the Community Bank 38.3% Bo Bank of Sunset & Trust Co. 38.1% B B1bank 37.0% AB Abbeville BLDG & L State-chart 35.5%

First National Bankers Bank is the most CRE-weighted at 59.2% of loans; 18 of the 104 are above 40%, against a median of 27.5%.

Commercial real estate against capital, the 300% screenLouisiana banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 104 · amber, in the catalogue
state median 140% 300% screen LN Louisiana National Bank 370% RB Resource Bank 347% MB Metairie Bank & Trust Co. 312% CF Community First Bank 310% SS Sabine State Bank & Trust Co. 295% UC United Community Bank 290% AB American Bank 282% LB Lakeside Bank 279% BB Bonvenu Bank National Association 274% CN Century Next Bank 273% CB Citizens Bank & Trust Co. 272% Bo Bank of Sunset & Trust Co. 262% Bo Bank of Oak Ridge 260% B B1bank 241% FN First National Bank of Jeanerette 238% FG First Guaranty Bank 235% OB Origin Bank 227% BB Bom Bank 222% HF Homeland FSB 218% HB Hibernia Bank 215% Bo Bank of ST Francisville 214% CC Commercial Capital Bank 213% HF Home Federal Bank 208% HB Home Bank National Association 208% Ct CLB the Community Bank 206%

4 of the 104 banks sit above the 300% screen, Louisiana National Bank the highest at 370% of capital; the median is 140%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenLouisiana banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 104 · amber, in the catalogue
state median 52% 100% screen Bo Bank of Sunset & Trust Co. 205% AB American Bank 162% RB Resource Bank 142% LN Louisiana National Bank 131% Bo Bank of Zachary 129% FB Feliciana Bank & Trust Co. 128% SI Sicily Island State Bank 125% SL South Lafourche Bank & Trust Co. 122% CC Commercial Capital Bank 108% UC United Community Bank 108% Ct CLB the Community Bank 108% PB Plaquemine Bank & Trust Co. 103% SB Synergy Bank 99% SS Sabine State Bank & Trust Co. 98% FN First National Bank of Jeanerette 92% CB Citizens Bank & Trust Co. 92% HF Home Federal Bank 88% CF Community First Bank 85% BF Beauregard FSB 85% Bo Bank of Coushatta 84% AB Abbeville BLDG & L State-chart 83% LB Landmark Bank 83% Bo Bank of ST Francisville 79% EB Evangeline Bank & Trust Co. 77% Bo Bank of Commerce 75%

12 of the 104 banks sit above the 100% construction screen, Bank of Sunset & Trust Co. the highest at 205%; the median is 52%.

Loans to depositsLouisiana banks, 30 June 2026 · listed highest first · the 25 highest of 104 · amber, in the catalogue
state median 81% MS Mutual Savings & Loan Association 162% FN First National Bankers Bank 142% EH Eureka Homestead 130% CC Commercial Capital Bank 108% EB Evangeline Bank & Trust Co. 104% RB Resource Bank 103% LN Louisiana National Bank 101% HB Hibernia Bank 101% SI Sicily Island State Bank 101% AB Abbeville BLDG & L State-chart 101% HF Homeland FSB 98% BF Beauregard FSB 98% SL South Lafourche Bank & Trust Co. 97% PB Peoples Bank 95% FD Fifth District Savings Bank 95% IB Investar Bank National Association 95% FN First National Bank of Jeanerette 95% CB Currency Bank 94% FB Feliciana Bank & Trust Co. 94% GB Gibsland Bank & Trust Co. 93% Bo Bank of Oak Ridge 93% OB Origin Bank 93% UC United Community Bank 92% B B1bank 92% BS Basile State Bank 91%

10 of the 104 lend more than they hold in deposits, Mutual Savings & Loan Association the furthest at 162%; the median is 81%.

Nonperforming loans, share of loansLouisiana banks, 30 June 2026 · listed highest first · the 25 highest of 104 · amber, in the catalogue
state median 0.91% CB Citizens Bank & Trust Co. 7.15% SL South Lafourche Bank & Trust Co. 6.95% Bo Bank of Gueydan 6.77% Bo Bank of Coushatta 6.52% MC M C Bank & Trust Co. 5.84% CC Commercial Capital Bank 5.66% AB American Bank 5.04% Bo Bank of Louisiana 4.57% CP Citizens Progressive Bank 4.51% GB Guaranty Bank & Trust Co. 3.99% TS Tensas State Bank 3.43% SL ST Landry Bank & Trust Co. 3.42% BF Beauregard FSB 3.36% SS Simmesport State Bank 3.15% JP Jackson Parish Bank 2.87% CB Caldwell Bank & Trust Co. 2.86% FS Farmers State Bank & Trust Co. 2.76% Ct CLB the Community Bank 2.58% CB Concordia Bank & Trust Co. 2.54% Bo Bank of Abbeville & Trust Co. 2.49% FG First Guaranty Bank 2.30% BS Basile State Bank 2.20% VB Vermilion Bank & Trust Co. 2.17% SB Synergy Bank 2.07% PN Progressive National Bank 2.02%

Citizens Bank & Trust Co. carries the most nonperforming loans at 7.15% of the book; 46 of the 104 are above 1%, and the median is 0.91%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%NPA / loansAllowance / loansSLSouth Louisiana Bank+3.52%FNFirst National Bankers Bank+2.38%UCUnited Community Bank+2.36%CSCitizens Savings Bank+1.91%PBPlaquemine Bank & Trust Co.+1.36%CBCurrency Bank+1.35%RSRayne State Bank & Trust Co.+1.31%TBThe Bank+1.30%FNFirst National Bank of Jeanerette+1.27%FNFirst National Bank USA+1.25%FNFirst National Bank of Louisiana+1.22%BoBank of Commerce+1.04%BBBonvenu Bank National Association+1.02%BoBank of Oak Ridge+1.00%CBCity Bank & Trust Co.+1.00%RRRed River Bank+0.99%CNCentury Next Bank+0.98%CFCommunity First Bank+0.88%SISicily Island State Bank+0.88%FFFirst Federal Bank of Loan Associ…+0.84%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 40 of the 104 hold an allowance smaller than their nonperforming loans.

Return on assetsLouisiana banks, 30 June 2026 · listed highest first · the 25 highest of 104 · amber, in the catalogue
state median 1.19% Bo Bank of Louisiana 15.75% CB Crescent Bank 8.17% HB Hodge Bank & Trust Co. 2.48% EB Exchange Bank & Trust Natchitoche… 2.19% FN First National Bank of Jeanerette 2.15% FS Franklin State Bank & Trust Co. 2.06% RS Rayne State Bank & Trust Co. 2.03% CC Commercial Capital Bank 2.02% CB Currency Bank 1.92% DB Delta Bank 1.92% FS Farmers State Bank & Trust Co. 1.91% LN Louisiana National Bank 1.90% VB Vermilion Bank & Trust Co. 1.90% AB American Bank & Trust Co. 1.87% JS Jonesboro State Bank 1.85% SL South Louisiana Bank 1.81% CF Community First Bank 1.80% SI Sicily Island State Bank 1.78% EB Evangeline Bank & Trust Co. 1.78% CB Cottonport Bank 1.75% PB Peoples Bank 1.75% CN Century Next Bank 1.72% UC United Community Bank 1.71% SS Sabine State Bank & Trust Co. 1.71% Bo Bank of Sunset & Trust Co. 1.70%

Bank of Louisiana earns the most at 15.75% and M C Bank & Trust Co. the least at -3.10%; 17 of the 104 earn under 0.50%, and the median is 1.19%.

The efficiency ratio, with the return beside itLouisiana banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 103 · amber, in the catalogue
state median 65.3% Bo Bank of Louisiana 20.1% ROA 15.75% JS Jonesboro State Bank 30.6% ROA 1.85% HB Hodge Bank & Trust Co. 41.6% ROA 2.48% EB Exchange Bank & Trust Natchitoche… 45.2% ROA 2.19% CC Commercial Capital Bank 49.2% ROA 2.02% SB Synergy Bank 49.7% ROA 1.58% EB Evangeline Bank & Trust Co. 51.9% ROA 1.78% RS Rayne State Bank & Trust Co. 52.0% ROA 2.03% CN Century Next Bank 52.7% ROA 1.72% FN First National Bank of Jeanerette 53.0% ROA 2.15% TB The Bank 53.6% ROA 1.70% RR Red River Bank 53.7% ROA 1.45% CB Currency Bank 53.9% ROA 1.92% FN First National Bank USA 54.3% ROA 1.62% CB Cottonport Bank 54.3% ROA 1.75% CB Community Bank of Louisiana 54.6% ROA 1.52% DB Delta Bank 55.3% ROA 1.92% FN First National Bank of Louisiana 55.8% ROA 1.54% Bo Bank of Sunset & Trust Co. 55.9% ROA 1.70% SS Simmesport State Bank 56.1% ROA 1.49% GB Guaranty Bank & Trust Co. of Delh… 56.6% ROA 1.46% OB Origin Bank 57.1% ROA 1.22% AB American Bank & Trust Co. 57.7% ROA 1.87% LN Louisiana National Bank 58.2% ROA 1.90% FS Franklin State Bank & Trust Co. 58.3% ROA 2.06%

Bank of Louisiana runs the leanest at 20.1% of revenue in cost; 18 of the 104 spend more than 80 cents of every revenue dollar, and the median is 65.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Origin Bank$10.2B+5.0%34.4%93%0.97%1.22%11.7%
B1bank$8.9B+10.2%37.0%92%1.26%1.19%12.2%
First Guaranty Bank$3.9B-26.8%40.0%51%2.30%0.39%6.7%
Gulf Coast Bank & Trust Co.$3.9B+11.4%23.2%85%1.60%1.10%8.4%
Investar Bank National Association$3.9B+45.3%30.0%95%0.63%1.18%11.5%
Home Bank National Association$3.6B+0.5%34.3%90%0.95%1.37%13.6%
Red River Bank$3.3B+5.7%30.3%78%0.11%1.45%11.3%
Bom Bank$1.6B+16.6%30.5%87%0.86%1.00%10.4%
Bonvenu Bank National Association$1.6B-1.8%45.4%75%0.13%0.76%9.0%
First American Bank & Trust$1.4B+0.9%24.9%71%1.28%1.10%11.7%
Sabine State Bank & Trust Co.$1.3B-0.3%32.7%89%1.66%1.71%8.1%
Jonesboro State Bank$1.3B-34.3%1.2%6%1.64%1.85%6.6%
Synergy Bank$1.3B+13.9%32.9%80%2.07%1.58%13.7%
JD Bank$1.3B+1.7%42.1%70%0.40%1.09%10.4%
Fidelity Bank$1.2B-7.0%28.8%87%1.85%0.13%19.9%
Five years, 2021 to 2026the 104 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$39.2B$56.4B+44%
Deposits, in total$52.5B$70.1B+34%
NPA / loans, median0.86%0.91%+0.05 pts
Efficiency, median67.6%65.3%-2.3 pts
ROA, median1.02%1.19%+0.17 pts

Small-business lending

SBA 7(a) approvals into Louisiana since FY2008, across every lender type

$3.8B of 7(a) credit has been approved into Louisiana since FY2008 across 8,580 loans. Accommodation & food services is the largest category at 23.1%, Retail trade at 12.1%, Health care & social assistance at 8.6%; the three together are 44% of the money. The heaviest losses fall in Mining & extraction, at 5.23% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 263 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
GC Gulf Coast Bank and Trust Company 6.5% $249M · 891 loans LO Live Oak Banking Company 5.9% $227M · 182 loans JC JPMorgan Chase Bank, National Ass… 5.4% $207M · 1,246 loans HW Hancock Whitney Bank 4.5% $171M · 491 loans FF First Financial Bank 4.0% $151M · 162 loans AB American Bank 3.7% $143M · 214 loans Newtek Small Business Finance, In… 3.3% $127M · 150 loans GC Gulf Coast Bank 3.0% $116M · 279 loans B B1bank 2.8% $109M · 240 loans RB Regions Bank 2.7% $103M · 119 loans TH The Huntington National Bank 2.5% $97M · 235 loans CO Capital One National Association 2.4% $93M · 244 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services25.4%$885M · 1,246 loansRetail trade13.3%$462M · 1,299 loansHealth care & social assistance9.5%$330M · 852 loansConstruction8.9%$310M · 869 loansManufacturing7.4%$259M · 485 loansProfessional & technical services7.4%$258M · 744 loansOther services7.0%$243M · 747 loansArts, entertainment & recreation4.7%$164M · 362 loansAgriculture, forestry & fishing4.4%$153M · 165 loansReal estate & leasing4.3%$148M · 229 loansWholesale trade4.1%$142M · 307 loansTransportation & warehousing3.5%$123M · 392 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$885M1,24623.1%$22M2.44%
Retail trade$462M1,29912.1%$14M3.00%
Health care & social assistance$330M8528.6%$3M0.98%
Construction$310M8698.1%$11M3.58%
Manufacturing$259M4856.8%$11M4.28%
Professional & technical services$258M7446.7%$3M1.27%
Other services$243M7476.4%$6M2.55%
Arts, entertainment & recreation$164M3624.3%$3M1.54%
Agriculture, forestry & fishing$153M1654.0%$1M0.80%
Real estate & leasing$148M2293.9%$1M0.78%
Wholesale trade$142M3073.7%$6M4.01%
Transportation & warehousing$123M3923.2%$4M3.40%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
East Baton Rouge$448M1,015117
Jefferson$397M1,06984
Lafayette$378M75784
Orleans$376M95585
Saint Tammany$344M97978
Calcasieu$184M32073
Caddo$177M35773
Ascension$129M30855
Ouachita$99M22747
Tangipahoa$96M21244

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Louisiana institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Louisiana

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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